CN111401869B - Digital currency circulation system and circulation method - Google Patents
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- CN111401869B CN111401869B CN202010215564.2A CN202010215564A CN111401869B CN 111401869 B CN111401869 B CN 111401869B CN 202010215564 A CN202010215564 A CN 202010215564A CN 111401869 B CN111401869 B CN 111401869B
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Abstract
The invention relates to a digital currency circulation system and a circulation method. The system comprises a digital currency issuing mechanism, a digital currency processing mechanism and a digital currency processing mechanism, wherein the digital currency issuing mechanism is used for issuing digital currency and performing digital currency transaction, and the digital currency carries information comprising a digital signature, a face value and a number of the digital currency issuing mechanism; the user terminal is used for storing digital money issued by the digital money issuing mechanism and performing digital money transaction, the user terminal stores the identity information of the owner of the user terminal, and the identity information of the current user terminal owner, the identity information of the past owner of a digital money transaction circulation chain and the digital money transaction flow direction information are added to the information of the digital money. The invention can realize the circulation of the digital currency and the problem of large volume in the transaction process of the digital currency, and particularly can solve the problem that the digital currency is used for multiple times in offline transaction.
Description
Technical Field
The invention belongs to the field of digital currency, and particularly relates to a digital currency circulation system and a digital currency circulation method.
Background
At present, electronic money mainly has 3 types, and 1 type is virtual money (such as Q coin), and the internal flow virtual token issued by a company cannot be used for circulation on the market and only purchases a specific range of goods or services; class 2 is cipher currencies (e.g., bitcoin, ether house, etc.) based on block chains, which have no issuing unit and have a certain "price", and can be exchanged into circulating currencies in specific occasions, but are not legal currencies, and some countries have the state of forbidding circulation; the 3 rd type is the currency issued by the national authority and is equivalent to the entity currency, and the legal status of the currency is the same as the entity currency.
At present, the technical scheme of digital currency tends to be mature, most of the digital currency needs to complete real transactions on line, while off-line transactions only record the flow direction of the transactions, and real transfer of the currency can be realized after on-line synchronization is needed.
Disclosure of Invention
The invention aims to provide a digital currency circulation system and a circulation method, which can solve the problem that digital currency is used for many times when the circulation of the digital currency can be realized and the problem of large volume of the digital currency transaction process can be realized, in particular to the invention.
In order to realize the purpose, the technical scheme of the invention is as follows: a digital currency circulation system comprising:
a digital currency issuing mechanism for issuing digital currency and performing digital currency transaction, wherein the digital currency is provided with information including digital signature, face value and number of the digital currency issuing mechanism;
the user terminal is used for storing digital money issued by the digital money issuing mechanism and performing digital money transaction, the user terminal stores the identity information of the owner of the user terminal, and the identity information of the current user terminal owner, the identity information of the past owner of a digital money transaction circulation chain and the digital money transaction flow direction information are added to the information of the digital money.
In an embodiment of the invention, the user terminal is on-line, and the past owner identity information and the digital currency transaction flow information of the digital currency transaction flow chain in the digital currency information are deleted through synchronization with the digital currency issuer or the network node.
In one embodiment of the invention, under the online condition of the user terminal, the transaction record information is stored in the network node through the block chain technology, thereby increasing the rights and interests of the currency owner and reducing the storage and operation burden of the digital currency issuing organization; and the digital currency issuing organization can synchronize the network node block information to achieve the purpose of supervision.
In an embodiment of the present invention, the user terminal is authenticated by the digital money issuing authority or an intermediary authority approved by the digital money issuing authority, and the authentication may divide the certificate branches for different purposes.
In an embodiment of the present invention, the user terminal includes a security component for verifying a feature value of the digital currency during an offline transaction to prevent multiple transactions of the same currency; the characteristic value is a hash value of the digital currency or an md5 check value of the digital currency.
In one embodiment of the invention, a user can inquire the quantity detail of the digital currency through a user terminal but cannot read the sensitive data of the digital currency, when the user transacts with other users through the user terminal, the transmission on a line adopts a bidirectional authentication mechanism to avoid capturing the sensitive data in the transmission process, and when the user transacts successfully in the digital currency transaction, the user terminal of the owner of the digital currency deletes the corresponding digital currency information, thereby preventing multiple transactions of the same currency.
In an embodiment of the invention, the transactions of the digital currency are divided into an offline transaction and an online transaction, the digital currency issuer verifies whether the transactions of the digital currency are the offline transactions or the online transactions by setting different rootCAs, and if the transactions are the offline transactions, the overdraft of the digital currency during the offline transactions is prevented by limiting the amount and the times of the offline transactions.
The invention also provides a digital currency circulation method based on the digital currency circulation system, which is realized as follows:
the digital currency issuing mechanism issues digital currency, the user exchanges the digital currency and stores the digital currency in the user terminal, and the information of the digital currency comprises digital signature information, face value information, number information, owner identity information and digital currency transaction flow information of the digital currency issuing mechanism;
when in off-line transaction, the user A pays the corresponding face value and the digital currency with the corresponding number to the user B through the user terminal A, at the moment, the corresponding face value and the digital currency with the corresponding number also comprise identity information of the user A, digital signature information of a digital currency issuing mechanism and transaction flow direction information of a digital currency issuing mechanism to A, and after the transaction is completed, the corresponding face value and the digital currency with the corresponding number stored in the user terminal B of the user B are added with the transaction flow direction information of the user A to B and the identity information of the user B; by analogy, the user terminal of the last digital currency owner stores the information of the digital currency with the corresponding face value and the corresponding number, wherein the information comprises all digital currency transaction flow information, all past owner identity information of a digital currency transaction flow chain and the last owner identity information of the digital currency; when each user terminal is in on-line state, each user terminal deletes the digital currency related information by synchronizing with the digital currency issuing mechanism or network node, and the user terminal of the last digital currency owner deletes the past owner identity information and digital currency transaction flow information of the digital currency transaction flow chain in the digital currency information and adds the transaction flow information of the digital currency issuing mechanism to the last owner.
In an embodiment of the present invention, the method further includes:
when the transaction is completed, the corresponding face value and the corresponding numbered digital currency stored in the user terminal B of the user B delete the transaction flow direction information of the digital currency issuing mechanism to A and the identity information of A, and increase the transaction flow direction information of the digital currency issuing mechanism to B and the identity information of B; and in the same way, the user terminal of the last digital currency owner stores the information of the digital currency with the corresponding face value and the corresponding number, deletes the past owner identity information and the digital currency transaction flow direction information of the digital currency transaction flow chain in the digital currency information, and adds the transaction flow direction information of the digital currency issuer to the last owner and the digital currency last owner identity information.
In an embodiment of the present invention, in the case of offline transaction, before the user a pays the digital currency with the corresponding face value and the corresponding number to the user B through the user terminal a, the user terminal a compares the feature value of the transaction digital currency with the feature value in the feature value list in the user terminal a, if the feature value is repeated, the transaction is prohibited, and if the feature value is not repeated, the new feature value is stored in the feature value list, so as to prevent multiple transactions of the same currency.
Compared with the prior art, the invention has the following beneficial effects: the invention can realize the circulation of the digital currency and the problem of large volume in the transaction process of the digital currency, and particularly can solve the problem that the digital currency is used for multiple times in offline transaction.
Drawings
Fig. 1 is a digital currency structure.
FIG. 2 illustrates the reduction of the volume of digital currency after online synchronization.
Fig. 3 is a diagram showing that Y pays a denomination 1, and number 1, for Z.
Fig. 4 is a schematic diagram of paying a denomination 1, number 1, of digital currency for Z for Y, off-line.
Detailed Description
The technical scheme of the invention is specifically explained below with reference to the accompanying drawings.
The present invention provides a digital currency circulation system, comprising:
a digital currency issuing mechanism for issuing digital currency and performing digital currency transaction, wherein the digital currency is provided with information including digital signature, face value and number of the digital currency issuing mechanism;
the user terminal is used for storing digital money issued by the digital money issuing institution and performing digital money transaction, the user terminal is used for storing the owner identity information of the user terminal, and the current owner identity information of the user terminal, the past owner identity information of a digital money transaction circulation chain and the digital money transaction flow information are added to the information of the digital money.
Further, the user terminal deletes the past owner identity information and the past digital money transaction flow information of the digital money transaction flow chain in the digital money information by synchronizing with the digital money issuer or the network node in an online state.
Furthermore, under the condition that the user terminal is on line, the transaction record information is stored in the network node through the block chain technology, so that the rights and interests of the currency owner are increased, and the storage and operation burden of the digital currency issuing mechanism is reduced; and the digital currency issuing organization can synchronize the network node block information to achieve the purpose of supervision.
Further, the user terminal is authenticated by the digital money issuing authority or an intermediary authority approved by the digital money issuing authority, and the authentication may be performed for division of certificate branches for different purposes.
Further, the user terminal comprises a security component used for hash value verification during offline transaction of the digital currency, and multiple transactions of the same currency are prevented.
Further, the user terminal comprises an IC card, a UKEY, a mobile phone and the like.
The invention also discloses a digital currency circulation method based on any one of the digital currency circulation systems, which is realized as follows:
the digital currency issuing mechanism issues digital currency, the user exchanges the digital currency and stores the digital currency in the user terminal, and the information of the digital currency comprises digital signature information, face value information, number information, owner identity information and digital currency transaction flow information of the digital currency issuing mechanism;
when in off-line transaction, the user A pays the corresponding face value and the digital currency with the corresponding number to the user B through the user terminal A, at the moment, the corresponding face value and the digital currency with the corresponding number also comprise identity information of the user A, digital signature information of a digital currency issuing mechanism and transaction flow direction information of a digital currency issuing mechanism to A, and after the transaction is completed, the corresponding face value and the digital currency with the corresponding number stored in the user terminal B of the user B are added with the transaction flow direction information of the user A to B and the identity information of the user B; by analogy, the user terminal of the last digital currency owner stores the information of the digital currency with the corresponding face value and the corresponding number, wherein the information comprises all digital currency transaction flow information, all past owner identity information of a digital currency transaction flow chain and the last owner identity information of the digital currency; when each user terminal is in an on-line state, each user terminal deletes the digital currency related information by synchronizing with the digital currency issuing mechanism or the network node, and the user terminal of the final digital currency owner deletes the past owner identity information and the digital currency transaction flow direction information of the digital currency transaction flow chain in the digital currency information and adds the transaction flow direction information of the digital currency issuing mechanism to the final owner.
Further, the method further comprises:
when in online transaction, a user A pays a corresponding face value and a corresponding number of digital currency to a user B through a user terminal A, wherein the corresponding face value and the corresponding number of digital currency also comprise identity information of the A, digital signature information of a digital currency issuing mechanism and transaction flow direction information of a digital currency issuing mechanism to A, and after the transaction is completed, the corresponding face value and the corresponding number of digital currency stored in the user terminal B of the user B delete the transaction flow direction information of the digital currency issuing mechanism to A and the identity information of the A and increase the transaction flow direction information of the digital currency issuing mechanism to B and the identity information of the B; and in the same way, the user terminal of the last digital currency owner stores the information of the digital currency with the corresponding face value and the corresponding number, deletes the past owner identity information and the digital currency transaction flow direction information of the digital currency transaction flow chain in the digital currency information, and adds the transaction flow direction information of the digital currency issuer to the last owner and the digital currency last owner identity information.
Further, under the condition of off-line transaction, before the user A pays the digital currency with the corresponding face value and the corresponding number to the user B through the user terminal A, the user terminal A compares the transaction hash value with the transaction hash value in the transaction hash value list in the user terminal A, if the transaction hash value is repeated, the transaction is forbidden, and if the transaction hash value is not repeated, the new transaction hash value is stored in the transaction hash value list, so that multiple transactions of the same currency are prevented.
The following is a specific implementation of the present invention.
The present invention provides a digital currency circulation system, comprising:
a digital money issuing mechanism for issuing digital money and performing digital money transaction;
and the user terminal is used for storing the digital currency issued by the digital currency issuing mechanism and performing digital currency transaction.
As shown in fig. 1, after the digital currency is transacted, the digital currency includes a digital signature, a face value, a serial number, current user terminal owner identity information (the identity information may be a serial number, a unique serial number, or an identity number, or a random character string based on cryptography (e.g., a hash, a private key, etc.), which may avoid disclosure of personal privacy by using cryptography, owner identity information (which is convenient for tracing) in the past digital currency transaction circulation chain, and digital currency transaction flow information of a digital currency issuer (e.g., a central bank).
As shown in fig. 2, since the digital money includes the digital money transaction flow chain past owner identity information and the digital money transaction flow information, and the money itself becomes larger as the number of transactions increases, the user terminal may delete the digital money transaction flow chain past owner identity information and the digital money transaction flow information in the digital money information after synchronizing with the digital money issuer or the network node on line in the case where the user terminal is on line.
The transaction record information can be stored in the network node through the block chain technology, so that the rights and interests of the currency owner are increased, and the storage and operation burden of a digital currency issuing mechanism is reduced; and the digital currency issuing organization can synchronize the network node block information to achieve the purpose of supervision.
The above-described user terminal, i.e., the apparatus for storing digital money, has the following features:
(1) The device itself is a security device: the security media can be any one of a UKEY form, an IC card form, a mobile phone and the like.
(2) The device itself should hold owner identity information, such as in the form of a digital certificate and private key signed by a digital currency issuer.
(3) The private key and digital certificate of the device itself need to be downloaded to the secure medium after confirmation of identity by the digital currency issuing authority or an intermediary (e.g., a bank).
(4) The digital money issuer should set up a CA center for authenticating the identity of an applicant and issuing a certificate. The credential branches may be partitioned for different purposes (e.g., denomination, different time, different batch, different organization, etc.) to reduce the degree of impact that a credential may have in the event of a leak.
(5) Each secure media must carry digital authentication of an authoritative device for authenticating the identity legitimacy of both parties to the transaction as well as the authenticity of the digital currency.
(6) The money exchange (transaction) between the two secure media can be directly performed through a wired (such as USB, serial port and the like) or wireless (such as Bluetooth, wifi, 4G, NFC and the like). The transaction process may select both offline and online modes.
If online, authentication by the digital currency issuer is required and the currency format is reassembled for the new owner.
If offline, the way of offline transaction as shown in fig. 3 is adopted:
in order to avoid overdraft payment under the condition of offline transaction, the feasible scheme is as follows:
scheme 1:
(1) Digital currency is paid using a dedicated component or device, i.e. a dedicated security component provides a limited number of functions to the outside, as the device contains at least: taking digital currency itself as sensitive data (like a key), the security component does not allow the output of sensitive data. The security component can provide a denomination and amount of challenge currency, and the security component provides functionality for payment of the transferred digital currency.
The user is prohibited from reading the currency valid data, but functions may be provided including querying the amount details of the currency, etc.
(2) The two-way authentication mechanism (such as SSL or TLS) is adopted for transmission on a line when two parties trade, namely, certificates of the two parties of the trade are exchanged, a set of random keys is negotiated, and sensitive data (digital currency) is sent to a receiving party from an initiator after being encrypted by the keys, so that sensitive information is prevented from being captured by people in the transmission process. TLS and SSL communication can prevent theft, tampering and replay attack during transmission.
(3) Due to the security safeguard functionality provided by the security component, it is transactionally optional to partition or un-partition off-line and on-line transactions.
(4) In the transaction, after the payer successfully pays, the security component can choose to delete the corresponding currency information.
Scheme 2:
(1) Similar to scenario 1, there is a dedicated security component, whose internal sensitive data is prohibited from being read by a person.
(2) The security component internally calculates characteristic values for stored currency, the calculated characteristic values adopt a general cryptography irreversible algorithm, such as an SHA hash value calculation method, an MD5 check code calculation method or a method of carrying out encryption calculation on currency sequences by using a fixed key, all characteristic value lists of offline transactions are stored in the security component, and if the transaction lists are repeated, the transactions are prohibited. As shown in fig. 4.
When paid by Y to Z, and the characteristic value M is recorded, and then signed by the security component, which records the characteristic value M during the signing process.
Assuming that Y has the entire data of the money number 1 available, Y wants to pay the same money to others, and needs to be signed again by Y, but because the characteristic value of the money is recorded by the security component, the security component rejects the money of the same characteristic value to be signed again, thereby avoiding multiple uses of one money for payment to different persons.
The above are preferred embodiments of the present invention, and all changes made according to the technical scheme of the present invention that produce functional effects do not exceed the scope of the technical scheme of the present invention belong to the protection scope of the present invention.
Claims (9)
1. A digital currency circulation system, comprising:
a digital currency issuing organization for issuing digital currency and performing digital currency transaction, wherein the digital currency carries information including digital signature, denomination and number of the digital currency issuing organization;
the user terminal is used for storing digital money issued by the digital money issuing mechanism and performing digital money transaction, the user terminal stores the identity information of a user terminal owner, and the identity information of the current user terminal owner, the identity information of a past owner of a digital money transaction circulation chain and the digital money transaction flow direction information are added to the information of the digital money;
the user terminal comprises a security component which is used for verifying the characteristic value when the digital currency is transacted off line and preventing multiple transactions of the same currency; the characteristic value is a hash value of the digital currency or an md5 check value of the digital currency;
when in off-line transaction, the user A pays the corresponding face value and the digital currency with the corresponding number to the user B through the user terminal A, and the corresponding face value and the digital currency with the corresponding number also comprise the identity information of the user A, the digital signature information of a digital currency issuing mechanism and the transaction flow direction information of a digital currency issuing mechanism to A; by analogy, the stored information of the corresponding face value and the digital currency with the corresponding number of the user terminal of the last digital currency owner comprises all digital currency transaction flow information, the past owner identity information of all digital currency transaction flow chains and the identity information of the last owner of the digital currency; when each user terminal is in an on-line state, each user terminal deletes the digital currency related information by synchronizing with the digital currency issuing mechanism or the network node, and the user terminal of the final digital currency owner deletes the past owner identity information and the digital currency transaction flow direction information of the digital currency transaction flow chain in the digital currency information and adds the transaction flow direction information of the digital currency issuing mechanism to the final owner.
2. The digital money circulation system according to claim 1, wherein the user terminal deletes the past owner identification information and the digital money transaction flow information of the digital money transaction circulation chain in the digital money information by synchronizing with the digital money issuer or the network node while being on-line.
3. The digital currency circulation system according to claim 1, wherein the transaction record information is stored in the network node by a block chain technique when the user terminal is on-line, thereby increasing the interest of the currency owner and reducing the storage and calculation burden of the digital currency issuer; and the digital currency issuing organization can synchronize the network node block information to achieve the purpose of supervision.
4. The digital money circulation system according to claim 1, wherein the user terminal is authenticated by the digital money issuing institution or an intermediary institution approved by the digital money issuing institution, and the authentication allows division of the certificate branches for different purposes.
5. The system of claim 1, wherein the user can inquire the amount of the digital money through the user terminal, but cannot read the sensitive data of the digital money, when the user transacts with other users through the user terminal, the transmission on the line adopts a bidirectional authentication mechanism to avoid capturing the sensitive data during the transmission, and when the user transacts successfully during the digital money transaction, the user terminal of the owner of the digital money deletes the corresponding digital money information, thereby preventing multiple transactions of the same money.
6. The digital money circulation system according to claim 1, wherein the transactions of the digital money are divided into an offline transaction and an online transaction, the digital money issuer verifies whether the transaction of the digital money is the offline transaction or the online transaction by setting different rootcas, and if the transaction is the offline transaction, overdraft of the digital money in the offline transaction is prevented by limiting the amount and number of the offline transaction.
7. A digital money circulation method based on the digital money circulation system according to any one of claims 1 to 6, characterized by being implemented as follows:
the digital currency issuing mechanism issues digital currency, the user exchanges the digital currency and stores the digital currency in the user terminal, and the information of the digital currency comprises digital signature information, face value information, number information, owner identity information and digital currency transaction flow information of the digital currency issuing mechanism;
when in off-line transaction, the user A pays the corresponding face value and the digital currency with the corresponding number to the user B through the user terminal A, at the moment, the corresponding face value and the digital currency with the corresponding number also comprise identity information of the user A, digital signature information of a digital currency issuing mechanism and transaction flow direction information of a digital currency issuing mechanism to A, and after the transaction is completed, the corresponding face value and the digital currency with the corresponding number stored in the user terminal B of the user B are added with the transaction flow direction information of the user A to B and the identity information of the user B; by analogy, the stored information of the corresponding face value and the digital currency with the corresponding number of the user terminal of the last digital currency owner comprises all digital currency transaction flow information, the past owner identity information of all digital currency transaction flow chains and the identity information of the last owner of the digital currency; when each user terminal is in on-line state, each user terminal deletes the digital currency related information by synchronizing with the digital currency issuing mechanism or network node, and the user terminal of the last digital currency owner deletes the past owner identity information and digital currency transaction flow information of the digital currency transaction flow chain in the digital currency information and adds the transaction flow information of the digital currency issuing mechanism to the last owner.
8. A method of circulating digital currency according to claim 7, further comprising:
when the transaction is completed, the corresponding face value and the corresponding numbered digital currency stored in the user terminal B of the user B delete the transaction flow direction information of the digital currency issuing mechanism to A and the identity information of A, and increase the transaction flow direction information of the digital currency issuing mechanism to B and the identity information of B; and in the same way, the user terminal of the last digital currency owner stores the information of the digital currency with the corresponding face value and the corresponding number, deletes the past owner identity information and the digital currency transaction flow direction information of the digital currency transaction flow chain in the digital currency information, and adds the transaction flow direction information of the digital currency issuer to the last owner and the digital currency last owner identity information.
9. The method according to claim 7, wherein in case of off-line transaction, before the user a pays the user B the digital money of the corresponding denomination and number through the user terminal a, the user terminal a compares the feature value of the transaction digital money with the feature value in the feature value list in the user terminal a, if the feature value is repeated, the transaction is prohibited, and if the feature value is not repeated, the new feature value is stored in the feature value list, thereby preventing multiple transactions of the same money.
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| CN112508556A (en) * | 2020-12-07 | 2021-03-16 | 成都蜀云物连科技有限公司 | Block chain-based digital currency generation method and cashing system |
| CN112669023A (en) * | 2021-02-03 | 2021-04-16 | 三和智控(北京)系统集成有限公司 | Method and device for constructing credit coupon system or digital currency system |
| CN112819630A (en) * | 2021-02-08 | 2021-05-18 | 天地融科技股份有限公司 | Directional digital currency issuing method and device |
| CN114037525A (en) * | 2021-09-30 | 2022-02-11 | 中国人民银行数字货币研究所 | Transaction method and device based on digital currency |
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| GB201511964D0 (en) * | 2015-07-08 | 2015-08-19 | Barclays Bank Plc | Secure digital data operations |
| CN105844505A (en) * | 2016-03-17 | 2016-08-10 | 深圳市新世纪启航科技开发有限公司 | Method of carrying out digital currency trading through block chain technology |
| CN107230068B (en) * | 2016-03-25 | 2021-03-16 | 中国人民银行数字货币研究所 | Method and system for paying digital currency using a visual digital currency chip card |
| CN106533661B (en) * | 2016-10-25 | 2019-07-19 | 北京大学 | The online generation method in cryptography currency address based on Conbined public or double key |
| CN107067254A (en) * | 2017-02-06 | 2017-08-18 | 吕文华 | A kind of circulation method of binary system digital currency |
| CN106910072A (en) * | 2017-02-15 | 2017-06-30 | 捷德（中国）信息科技有限公司 | Digital cash management method and system |
| US10592873B2 (en) * | 2018-05-21 | 2020-03-17 | Microsoft Technology Licensing, Llc | Edit transactions for blockchains |
| CN108876332B (en) * | 2018-06-04 | 2020-09-22 | 清华大学 | Block chain safe transaction method and device based on biometric feature mark authentication |
| CN109493016B (en) * | 2018-10-24 | 2022-09-16 | 中国人民银行数字货币研究所 | Offline payment method, terminal and agent releasing equipment based on digital currency |
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